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The new look of retirement

This special feature from the Mid-November 2013 issue of Investment Executive covers building portfolios for longer life expectancies, protecting clients who marry late in life, using ETFs in a retirement portfolio, and much more.

November 12, 2013

Helping businesses set up PRPPs

Since the feds created legislation allowing small and medium-sized businesses to create pooled registered pension plans, few provinces — and firms — have moved to use them. But that may be changing, with Manulife leading the way

  • November 12, 2013 November 6, 2019
  • 15:25

Updating clients on DB plans

Defined-benefit pension plans were once viewed as ironclad. But with such certainties on the wane, clients need their financial advisors to provide updated advice on how these plans fit into their overall retirement planning

  • November 12, 2013 November 6, 2019
  • 15:18

Annuities fill a critical role

Buying an annuity provides a way to turn assets into an income stream for your client. With workplace pension plans falling in stature, annuities are becoming more important

  • November 12, 2013 November 6, 2019
  • 15:13

Are changes to the CPP inevitable?

The nature of retirement is changing drastically, and many people are calling on the federal government to make critical changes to the Canada Pension Plan because the monthly payouts are too meagre for retirees to live on

  • November 12, 2013 November 6, 2019
  • 15:04

Bonds: A predictable future income

While investment-grade bonds won’t appreciate in an economic climate in which interest rates are expected to rise, correctly chosen bonds can help your clients build value in both their RRSPs and their non-registered accounts

  • November 12, 2013 November 6, 2019
  • 15:01

Building a portfolio with ETFs

Exchange-traded funds allow you to make use of geographical, industry/sector and specialty diversification, as well as a balance of equities and fixed-income, when building retirement portfolios for your clients

  • November 12, 2013 November 6, 2019
  • 14:57

Catch-up, top-up or gross-up?

For some clients, an RRSP loan strategy can be an efficient retirement-saving plan. It is key, however, that clients reinvest tax refunds and repay their loans as quickly as possible

  • November 12, 2013 November 6, 2019
  • 14:52

Converting RRSPs takes planning

Making an efficient shift from accumulation to income calls for astute planning, especially for clients whose retirement income may threaten their OAS eligibility. For these clients, you may have to “melt down” their RRSPs

  • November 12, 2013 November 6, 2019
  • 14:46

Is long-term care coverage worth it?

As life expectancies lengthen, the need for long-term care insurance increases. But the clients who need it most may have difficulty paying the premiums — that is, if they can meet the relatively high eligibility criteria for coverage

  • November 12, 2013 November 6, 2019
  • 14:40

The era of GMWBs is all but over

Insurers either have ceased providing GMWBs or have made significant adjustments to product structures, features or sales and distribution restrictions. But there are some unique income-producing products available

  • November 12, 2013 November 6, 2019
  • 14:31